Winter Haven, FL · Charter 15626
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.65% | 0.87% | 0.42% | 0.27% | -46 bps | |
| Return on Equity | 6.47% | 5.53% | 6.96% | 3.25% | 2.03% | -444 bps | |
| Net Interest Margin | 0.97% | 0.84% | 0.95% | 0.72% | 0.59% | -38 bps | |
| Efficiency Ratio | 19.96% | 21.92% | 17.30% | 29.65% | 38.98% | +1,902 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.03% | -10.12% | -13.87% | -15.12% | -12.60% | -456 bps | |
| Loan Growth (YoY) | 4.15% | 4.88% | 6.10% | 3.72% | 5.79% | +165 bps | |
| Share Growth (YoY) | -9.64% | -11.94% | -16.33% | -17.77% | -14.07% | -443 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.38% | 0.39% | 0.09% | 0.06% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.43% | 0.24% | 0.37% | 0.42% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.23% | 11.70% | 12.49% | 12.93% | 13.14% | +191 bps | |
| Net Worth / Assets | 11.23% | 11.70% | 12.49% | 12.93% | 13.14% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.94% | 25.18% | 26.93% | 28.36% | 29.47% | +553 bps | |
| Liquid Assets / Assets | 44.96% | 43.86% | 41.59% | 0.00% | 0.00% | -4,496 bps | |